In this article, we wanted to take a moment and try and answer some of the most common questions we get from folks applying for life insurance after they have been prescribed Trazodone or one of the common brand names it is sold by including:

• Desyrel (Worldwide),
• Molipaxin (Ireland and the UK),
• Oleptro (United States),
• Trazorel (Canada),

And Trittico (Worldwide) to help individuals treat symptoms of depression. Desyrel sedative characteristics have also been found to help folks reduce anxiety levels and help some who may be suffering from insomnia.

Questions that will be directly addressed will include:

• Can I qualify for life insurance after I’ve been prescribed Desyrel?
• Why do life insurance companies care if I’ve been prescribed Desyrel?
• What kind of information will the insurance companies ask me or be interested in?
• What rate (or price) can I qualify for?
• What can I do to help ensure that I get the “best life insurance” for me?

So, without further ado, let’ dive right in!

Can I qualify for life insurance after I’ve been prescribed Desyrel?

Yes, individuals who have been prescribed Desyrel can and often will be able to qualify for a traditional term or whole life insurance policy. In fact, some of them may even be able to qualify for a no-medical exam term life insurance policy at a Preferred rate.

Why do life insurance companies care if I’ve been prescribed Desyrel?

The main reason why a life insurance company would be interested in the fact that an individual has been prescribed Desyrel is that it is a VERY effective medication that is used to help treat a WIDE variety of medical conditions. Some of these won’t interest a life insurance underwriter all that much, while others could cause one to be denied a life insurance policy!

What you’re generally going to find is that before getting “approved” for coverage, most (if not all) life insurance underwriters are going to want to get a better idea of “why” you’ve been prescribed Desyrel and how “serious” this pre-existing medical condition is, which is why they’re probably going to ask you a whole bunch of questions.

What kind of information will the insurance companies ask me or be interested in?

Common questions you’ll likely be asked about your Desyrel prescription may include:

• When were you first prescribed Desyrel?
• Who prescribed your Desyrel? A general practitioner or a psychiatrist?
• Why were you prescribed Desyrel?
• If for depression:
  • What symptoms led you to be prescribed Desyrel?
  • What symptoms do you still suffer from (if any)?
  • Have you ever been hospitalized due to your depression?
  • Have you ever contemplated suicide or attempted suicide in the past?
• Is Desyrel the only prescription medication that you are taking?
• How well is your Desyrel working to control/manage your symptoms?
• Do you have any history of drug or alcohol abuse?
• Have you ever been convicted of a felony or misdemeanor?
• Do you have any issues with your driver’s license? Issues such as multiple moving violations, DUI, or a suspended license?

What rate (or price) can I qualify for?

Knowing what “kind” of rate an individual might qualify for after being prescribed Desyrel can be a bit tricky. While it is true that a lot of folks who have been diagnosed with a “mild” case of depression can and often will be able to qualify for a Preferred rate, knowing exactly what a life insurance underwriter will characterize as “mild” can be a bit tricky.

This is why we here at IBUSA, we’ll often ask a few different life insurance companies to take a “preliminary” look at an application from someone who has been prescribed Desyrel so that we can get a general idea about what kind of rate they feel an individual could earn.

Additionally…

Because of the “sedative” nature of Desyrel combined with the fact that this medication is rarely if ever, abused, Desyrel will often be prescribed to folks suffering from anxiety brought on by withdrawal from alcohol. Now, if this is the case in your situation, you can bet that most (if not all) life insurance companies are going to want to see that you have been sober for a minimum of at least two years, which, as you can imagine, only further complicates the quoting process.

What can I do to help ensure that I get the “best life insurance” for me?

In our experience here at IBUSA, what we have found that works best for folks who have been diagnosed with a pre-existing medical condition where the “severity” of the condition is often “subjective” is for the applicant to make sure that they first find a true-life insurance professional who will work as an advocate for you.

Such an agent will not only help guide you through the application process but also be perfectly “frank” with you about what options may or may not be possible for you. From there, you’ll also want to make sure that the very same agent you have chosen has access to dozens of different life insurance companies because, after all, it doesn’t matter how “great” of a life insurance agent you might have if they don’t have access to the “best” life insurance policy for you! Now, does it?

Lastly…

You should be completely honest with your life insurance agent before applying for coverage. By doing so, you will help him or her narrow down what options might be the “best.”

Now, will we be able to help out everyone who has been prescribed Trazadon?

No, probably not. But what we can tell you is that in addition to offering a wide variety of different term and whole life insurance policies, IBUSA has also worked very hard to establish relationships with many of the Best Final Expense Insurance Companies as well.

This way…

If someone isn’t able to qualify for a traditional life insurance policy, chances are there may be some other “type” of product that you CAN qualify for.

So, if you’re ready to explore your options, just give us a call!